YenWise is built by expats who live and breathe Japanese finance. Every calculator is verified against official National Tax Agency (NTA), Financial Services Agency (FSA), and Japan Pension Service sources. We update our formulas whenever tax laws change, not once a year. The result: accurate numbers you can trust for real financial decisions.

📋

NTA-Verified Accuracy

All tax calculations are cross-referenced against official NTA publications, including the 2026 Reiwa 7 tax reform.

🔄

Truly Bilingual

Every tool, article, and explanation is available in English and Japanese, with correct financial terminology in both languages.

🔒

Zero Data Collection

All calculations run in your browser. We never collect, store, or transmit your salary, income, or personal financial data.

Who Is YenWise For?

Whether you just arrived in Japan or have been here for decades, YenWise helps you understand the numbers behind your daily life. Our tools are designed for foreign residents at every stage, from figuring out your first payslip to planning your retirement.

How Accurate Are the Calculations?

Every formula on YenWise is traced to a primary source — National Tax Agency (NTA) tax bulletins, Financial Services Agency (FSA) publications, and Japan Pension Service documentation. When Japanese tax law changes, we rebuild the affected calculator rather than patching it. We then cross-check sample outputs against real withholding slips (gensen choshuhyo), pension notices (nenkin teikibin), and published government statistics. The 2026 Reiwa 7 tax reform — which split national and local basic deductions into a two-track system — is fully implemented, including the statutory truncation rules (kirisute) required at every calculation step. Where we use an approximation (such as the flat 15% social insurance estimate), we say so explicitly in the results and limitations.

What You Can Do on YenWise

YenWise is more than a single calculator — it is a complete bilingual toolkit for the financial decisions expats face in Japan. Use the tools together to build a full picture of your financial life, then go deeper with our written guides and blog.

🧮

Calculate Your Take-Home Pay

See exactly how much of your salary survives income tax, residence tax, and social insurance — updated for the 2026 two-track reform.

📅

Plan Tax-Advantaged Investing

Compare NISA tax-free growth and iDeCo deductible contributions side by side, and see exactly how much tax you keep over 10, 20, or 30 years.

🧭

Plan Major Life Events

Decide whether to rent or buy, estimate your pension refund before leaving Japan, and optimize your Furusato Nozei donations to maximize return gifts.

📚

Learn the System

Read our blog and in-depth guides to understand the Japanese terms and rules behind every number — written for expats, in plain English.

Free, Forever — and Built With Intention

YenWise is and always will be free to use. There are no accounts, no paywalls, no premium tiers, and no limits on how many times you run a calculation. The tools run entirely in your browser, which means your salary, investments, and pension details never leave your device. We fund the site through unobtrusive advertising rather than by harvesting and selling personal data — a deliberate choice that keeps the calculator trustworthy. If a tool ever saves you real money, the best way to thank us is simply to share YenWise with another expat who might need it.

Latest from the Blog

Informational guides and tips on navigating life and finance in Japan

All Articles

Finance11 min read

Japan's 2026 Permanent Residency Draft: Income & Pension Gates Explained

Media reports say Japan will tighten permanent residency with household-average income and a 30-year Employees’ Pension benchmark. Here is what is known, what is still draft, and how to estimate your position.

2026-07-28Read Article

Lifestyle6 min read

Health Insurance in Japan: A Practical Guide for Expats

Japan's universal health insurance covers 70% of medical costs for all residents. Here's how to enroll, what's covered, and how much you'll pay.

2026-06-26Read Article

Finance9 min read

Renting vs Buying a Home in Japan: The Complete Financial Breakdown

Should you rent or buy in Japan? The answer depends on how long you'll stay, property type, and interest rates. Here's the math, including hidden costs most articles miss.

2026-06-25Read Article